Morgan Stanley Private Bank in Tennessee vs the state
3.6%Denial rate-13.50 pts vs state
4.4%Decision denial rate-17.25 pts vs state
74.9%Origination rate+16.82 pts vs state
5.95%Median rate-0.67 pts vs state
-0.23Rate spread (pts)-0.46 pts vs state
$293kMedian applicant income
185Loans originated
9Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 252 | 199 | 4.8% | 5.80% | #156 |
| 2024 | 219 | 180 | 0.5% | 6.15% | #189 |
| 2025 | 247 | 185 | 3.6% | 5.95% | #184 |
What Morgan Stanley Private Bank lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most Morgan Stanley Private Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Davidson County | 88 | 66 | 1 | 1.1% |
| Williamson County | 52 | 38 | 1 | 1.9% |
| Knox County | 22 | 17 | 3 | 13.6% |
| Hamilton County | 22 | 16 | 2 | 9.1% |
| Loudon County | 11 | 10 | 0 | 0.0% |
| Sevier County | 9 | 8 | 0 | 0.0% |
| Sumner County | 8 | 4 | 1 | 12.5% |
| Wilson County | 5 | 4 | 0 | 0.0% |
| Blount County | 4 | 3 | 0 | 0.0% |
| Sullivan County | 3 | 2 | 0 | 0.0% |
Other large lenders in Tennessee
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 16,503 | 17.3% | 6.50% |
| United Shore Financial Services | B | 12,458 | 10.9% | 6.12% |
| Regions Bank | C | 11,247 | 36.5% | 4.99% |
| Vanderbilt Mortgage and Finance | F | 9,649 | 35.8% | 8.75% |
| Mortgage Research Center | C | 6,568 | 17.3% | 6.25% |
| FirstBank | C | 5,677 | 14.5% | 6.88% |
| CMG Mortgage | A | 5,643 | 2.9% | 6.50% |
| Freedom Mortgage | B | 5,493 | 8.0% | 6.25% |
| Pennymac Loan Services | C | 5,331 | 11.2% | 6.00% |
| Mortgage Investors Group | B | 4,454 | 3.5% | 6.50% |
Frequently asked questions
Tennessee: 247 applications in 2025, of which 185 were originated and 9 denied.
3.6% of all applications, or 4.4% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans Morgan Stanley Private Bank originated in Tennessee in 2025 was 5.95%, against a statewide median of 6.62%.
About this data. Figures are Morgan Stanley Private Bank's own HMDA filing for properties located in Tennessee, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology